Provider profile
Zopa
UK lender offering personal loans, car loans, credit cards
4
Products covered
Personal loans
Car loans
Credit cards
Cash ISA
Overview
About Zopa
Editorial summary — not an endorsement.
Zopa began as the world’s first peer-to-peer lender and is now a UK digital bank offering personal loans, car finance and credit cards. It is known for a clean digital experience and competitive pricing for eligible customers across consumer borrowing. Product availability spans prime and near-prime journeys depending on the line — always check the representative APR and total repayable for your quote.
Confirm current FCA permissions for Zopa on the Financial Services Register before you apply.
Products offered
What Zopa offers
Key product areas we track on WiT Money — rates and availability change.
At a glance
Pros and cons
Recorded product facts for Zopa. Terms, eligibility and pricing can change.
Pros
- Digital bank with loans, car finance and cards
- Strong app-led customer experience
- Competitive pricing for eligible borrowers
- Clear product journeys across multiple borrow categories
Cons
- Best rates still depend on credit profile
- Not a full high-street branch network
- Some products may be less suitable for very thin credit files
- Compare fees on cards and loans carefully by product
Compare
Comparison links
See how Zopa stacks up against other UK providers.
FAQ
Frequently asked questions about Zopa
Ready to compare Zopa?
Jump into a live comparison table and shortlist products that match your needs.